Getting started is simple.

Whether you’re buying your first home, renewing your mortgage, or refinancing, our process is designed to keep things clear, organized, and stress-free from day one.

We’re here to help you every step of the way.

When you’re ready, choose the option that fits where you are.


Apply Online

Complete our secure online application and we’ll review your information right away.

Book A Call

Prefer to talk it through first? Schedule a call and we’ll walk through your situation together.

Check out what it’s like to work with us.

A clear process — without the overwhelm.

Family Mortgage Planners provided an outstanding experience from start to finish! They were incredibly responsive—it truly felt like a 24/7 service.


Chinonso O.

STEP ONE

Start the conversation

Every mortgage begins with a conversation.

We’ll take time to understand your financial picture, your timeline, and what you’re hoping to accomplish — whether that’s buying your first home, renewing your current mortgage, refinancing, or planning ahead.

You can begin by completing our secure online application or booking a call with us. From there, we’ll outline the next steps and answer any initial questions so you feel confident moving forward.

No pressure. Just clarity.

STEP TWO

Review & Prepare

Once we receive your information, our team carefully reviews your application together and confirms which documents lenders will require.

We request supporting documents upfront — because this critical step helps prevent delays, surprises, and last-minute stress later in the approval process.

You’ll receive clear instructions and access to our secure portal to upload documents safely. Throughout this phase, we stay responsive and available keeping you updated so nothing feels unclear.

Our goal is simple: smooth approvals without unnecessary scrambling.

The team was so proactive – they kept me updated regularly with reminders about what was required at each stage.


Toyitan A.

They’re the best mortgage brokers out there! They really work hard to get the best deals for their customers. They saved me approx. $700-800 per month!


Wanda W.

STEP THREE

Secure Your Mortgage

After reviewing your documents, we present your strongest mortgage product and rate options currently available.

We’ll walk you through the differences in plain language so you understand not just the rate, but the structure and long-term impact of your choice.

From there, we can:

  • Provide a pre-qualification confirmation outlining your maximum purchase price and current rate options
  • Or submit for final approval based on the mortgage option you choose

From your first application to final funding, we’re with you every step of the way, ensuring everything stays organized and on track.

Smooth. Clear. Stress-free.

Our clients know we always have their best interest in mind.

Clients share over and over again that they receive consistent communication, clear explanations and steady support from start to finish.

“Highly Recommend!”

★ ★ ★ ★ ★

Family Mortgage Planners were excellent to work with. They had me prequalified very quickly and made the process of submitting all the required paperwork really easy.

Once I had made an offer, they got me a great rate and once again got me set up very quickly. I highly recommend the Family Mortgage Planner team for any of your mortgage needs!

Chase B.

“They were exceptional from start to finish.”

★ ★ ★ ★ ★

Mark, Jonah and Joel really made getting the right financial institution for our mortgage easy and without stress.

They were exceptional from start to finish and I am certainly looking forward to working with them in the nearest future.

Afolabi D.

“I felt very well taken care of and supported.”

★ ★ ★ ★ ★

The whole team at Family Mortgage Planners was fantastic to work with. They answered all of our nitty-gritty questions with helpful explanations and additional information.

As first time home buyers my husband and I felt very well taken care of and supported by Family Mortgage Planners.

Sandra H.

Ready to take the first step?

We’ll help you understand your options, prepare properly, and move forward with confidence.

Start your Application

Have some questions?

In Canada, the minimum down payment depends on the purchase price:

– 5% on the first $500,000
– 10% on the portion between $500,000–$1,000,000
– 20% for homes over $1,000,000

Most first-time buyers in Sherwood Park and Edmonton qualify with as little as 5% down.

Type in your answer It depends on your down payment, debts, and current interest rates, but here’s a rough guideline:


$400K home → ~$75K–$90K household income

$500K home → ~$90K–$110K

Every situation is different. We’ll walk you through your exact numbers so you can plan with confidence.

This depends on your comfort level and long-term plans:

Fixed rate: Stability and predictable payments

Variable rate: Historically lower over time, but can fluctuate

We don’t guess – we run real scenarios so you can clearly see which option fits your situation best.

Lenders look at key ratios like:

– Gross Debt Service (GDS)
– Total Debt Service (TDS)

Online calculators only give rough estimates – we’ll show you your real approval amount based on current lender guidelines so you can move forward with confidence.

A mortgage broker shops multiple lenders on your behalf to find the best mortgage that fits with your current and long term goals – not just one bank’s options.


At Family Mortgage Planners, we also:
– Structure your mortgage strategically
– Help you avoid costly mistakes
– Guide you from application to possession

You’re not just getting a rate – you’re getting a plan.

– Pre-approval: 24–48 hours
– Full approval: Typically 3–7 days

We keep things moving quickly so you can confidently make offers when the right home comes up.

Yes – most buyers in Alberta purchase with less than 20% down.

This does require mortgage insurance, but it allows you to get into the market sooner – often years sooner.

We’ll show you exactly what that looks like so you can decide if it makes sense.

Closing costs typically range from 1.5%–3% of the purchase price and may include:

– Legal fees
– Title insurance
– Property tax adjustments

We’ll give you a clear breakdown upfront so there are no surprises.

Yes – this is one of the most important first steps.
A pre-approval:

– Confirms your budget
– Locks in your rate
– Strengthens your offer

It also gives you peace of mind so you can shop with confidence.

The easiest way is to book a quick call with our team.

Then we can:
– Understand your goals
– Walk you through your options
– Give you a clear, personalized plan

No pressure—just clarity.

Ready to get started?

There are several ways we can get started! Regardless of how you reach out, we’ll quickly get back to you & answer your questions!

Call or text us today!

780-907-7207

Connect with us!

Have a question?

Fill out the form below & we’ll get right back to you.

We’re trusted by thousands of local families.

  • Awesome group to deal with. Easy to understand their advice. Would definitely recommend to my friends and family. Thanks again for all your help.

    Jim Forcade Avatar Jim F.
    September 14, 2023

    Having used Family Mortgage planners for the second time II would once again recommend using their services .They are always extremely professional, reliable, informative , reinsuring and guide you through the process. The Mortgage planners promptly responded to questions making the process of remortgaging seamless and stress... read more free for me. They gave options highlighting pros and cons of products that are best for current needs and looking into the future plus they spoke language I understood! Thank you for the exceptional service!!

    Maity Taka Avatar Maity T.
    October 1, 2022

    Had the pleasure of working with Jonah and I cannot recommend him enough! From the moment we started the mortgage process, Jonah was knowledgeable, responsive, and truly had my best interests as the top priority. Buying a home can be overwhelming, but the team made everything seamless and stress-free. Thank you!!

    Davis DiSciglio Avatar Davis D.
    April 7, 2025
  • We recently purchased our first investment property and Family Mortgage went above and beyond. We needed a non conventional / short term mortgage and they made it happen. Everything went smooth with regards to the processing even we had a delay from CRA with the document we need. The Kostelyks... read more are very prompt with communication - I get an answer to every single question I have within a minute or two. They were all extremely helpful. Highly recommended!

    Jessica Therese Guerzon Avatar Jessica T.
    August 9, 2022

    Very quick and efficient services. They responded extremely fast with the best offers available when my mortgage came up for renewal. The communication was very consistent and timely throughout the renewal process and I would highly recommend this team. They absolutely service their customers well. Jamie

    Jamie Fair Avatar Jamie F.
    March 1, 2022

    Joel Kostelyk and Mark Kostelyk of Family Morgage Planners provided us high quality service. Mark told us the processing of our application would take less than a week and he was right because we got the conditional approval a day after we submitted all the required documents. They found the... read more lender who could give us the best interest rate and great loan feautures. Mark guided us to the easy documentation process of our application up to the end. Not only that, they still offered after-sale service to answer any questions even though the mortgage has already been released. They were very helpful, and honest/transparent to every detail of the transactions. I will definitely recommend them to my family members, coworkers, and friends. Five star for you and more power!

    8. Jhun Guerrero 008 GmailCom Avatar 8. J.
    February 14, 2021
  • We are really thankful to Joel and Mark for helping us get our first home! Their approach towards getting our financing done right from the beginning was really very helpful, diligent and professional. Joel was always ready to answer any questions that I had and also gave me good tips... read more and advice and followed up with me on all the details! Highly recommended for anyone looking to buy a home! Thanks Joel and Mark once again!

    AR Benjamin Avatar AR B.
    March 1, 2021

    Family Mortgage Planners helped me when I first bought my place, and again when it was time to renew. Really took a lot of the stress out of the process, helped every step of the way, and were very attentive when I had questions. I recommend them to anyone I... read more know looking at buying, and plan on using their services as long as I have my mortgage.

    Cristin Latta Avatar Cristin L.
    February 1, 2023

    Mark and Joel are one of the best mortgage planners I've interacted and done business with. They are very professional, responsive and dedicated to doing excellent work. They made our mortgage process so seamless and easy. I highly recommend them!

    Femi Oladele Avatar Femi O.
    September 7, 2021
  • We really appreciated the service that was provided by The Family Mortgage Planners Team. We worked with Joel and he was so flexible in meeting with us always accommodating us around our work schedules. He really took the time to walk us through all of our options and to keep... read more us informed; answering all of our questions through the process. We found the customer service super informative and helpful. Professionals that go above and beyond in the service they provide. Thank you!

    Tessa Richer Avatar Tessa R.
    May 31, 2021

    Great family run business. Mark and his team were always quick to respond and willing to help. I would use them again

    Jacob Lucier Avatar Jacob L.
    May 22, 2022

    Mark Kostelyk is the perfect mortgage broker. He got the job done on his end quickly and any information he needed from me; he asked in a way that didn’t make feel pressured. I know that I got a good deal. Next time I need a mortgage I will... read more be calling him again 🙂

    Austin A Avatar Austin A.
    October 30, 2025
  • Honest and excellent at what they do. Mark and Joel were very quick to respond and secure excellent rates for me and my family. They originally found an excellent rate on our rental property and when it came time to renew on our personal home they were very quick to... read more lock in a very low rate in period of time where rates changed very quickly. They made sure to get all the information from me that they needed to make sure I didn’t miss out on the best rate that I could get. I highly recommend them and appreciate the work they did. Jamie/Julie

    Julie Fair Avatar Julie F.
    April 8, 2021

    I had an amazing experience working with Family Mortgage Planners! From start to finish, their team was incredibly professional, knowledgeable, and supportive. They made the entire mortgage process smooth and stress-free, explaining every step and answering all my questions with patience and clarity. I truly felt like they had my... read more best interests at heart. Thanks to their expertise, I was able to secure a great rate on my mortgage, and I couldn’t be happier with the outcome. I highly recommend Family Mortgage Planners to anyone looking for trustworthy, reliable mortgage advice!

    Rekled Avatar Rekled
    April 1, 2025

    Excellent service from the first conversation to the last. Very responsive and helpful. I had no worries trusting them with my complex financing requirements. I Highly recommend Their services to anyone looking for a mortgage.

    Johnston Clark Avatar Johnston C.
    April 22, 2022
  • We had an amazing experience with the help of Joel Kostelyk, from start to finish. He was so professional, knowledgeable, and quick to reply. He got us qualified for the perfect mortgage for us, and we were able to buy a house that was exactly what we wanted. I can’t... read more recommend their services enough, and have already told a friend to go with them. We are thankful we had such a good experience, as it takes off a lot of the pressure that comes with buying your first home.

    Hannah Borkent Avatar Hannah B.
    March 1, 2021

    Mark and Joel were very easy to work with, and always attentive too all of our questions. Both are experienced brokers and had all the answers, and nothing was a surprise to them. Thanks for the all help!

    Calvin Van Laar Avatar Calvin V.
    August 16, 2021

    If you are looking for a mortgage, then look no further then Mark and Joel. They will treat you like family and will go above and beyond what you would expect. Highly recommend this team!

    Jon Avatar Jon
    October 16, 2021
  • Great rates. Good people. Professional service. I wish they provided more advice based on your situation. But if you know why you want and why it’s best for you, that might not matter.

    Braden Bulmer Avatar Braden B.
    May 16, 2022

    Mark and Joel were competent and always available to answer questions throughout the entire process. Our financing was approved and went through without any problems whatsoever. We’re very thankful to Mark and Joel for making financing a home purchase so easy!

    Benjamin Wiebe Avatar Benjamin W.
    March 1, 2021

    Joel and his team have been amazing over the past couple of years! From getting our first mortgage five years ago, to the renewal this spring.. They made the whole process easy and quick, so we didn't have to worry about anything. We will definitely get in touch with them... read more to renew our mortgage five years from now and recommend them to everyone who is looking for amazing support. Thank you so much!

    Marta Kruse Avatar Marta K.
    March 31, 2022
  • Honest and excellent at what they do. Mark and Joel were very quick to respond and secure excellent rates for me and my family. They originally found an excellent rate on our rental property and when it came time to renew on our personal home they were very quick to... read more lock in a very low rate in period of time where rates changed very quickly. They made sure to get all the information from me that they needed to make sure I didn’t miss out on the best rate that I could get. I highly recommend them and appreciate the work they did. Jamie/Julie

    Julie Fair Avatar Julie F.
    March 1, 2022

    Great team effort by the guys here! Very prompt and professional. Highly recommended!!

    Garth Gawron Avatar Garth G.
    July 26, 2022

    Joel and Mark have always been incredibly helpful at every stage of my mortgage experience. Family Mortgage Planners will definitely be my mortgage specialists until I own my home outright and I would highly recommend them.

    Jeremiah Aherne Avatar Jeremiah A.
    July 16, 2022
  • I met Mark 12 years ago when he helped me purchase my first home with my wife. It went perfectly. Over the years we kept in contact for brief moments, he always treated me with respect and made me feel he is keeping me up to date with relevant... read more information regarding housing markets etc. I recently was in a position to purchase another home. My first call is to Mark, and now his children Jonah and Joel. They are the best to deal with, they understand Blue Collar Albertans and they will go the extra mile to ensure to get you what you want. The best quality I find is their honesty and integrity in their values, it was like talking to a good friend who just wants the best for you. Once again they proved that they are the best of the best in Alberta. Thank you to the Kostelyk’s and their entire firm and team!!

    Stephan Hoess Avatar Stephan H.
    June 10, 2024

    Mark is an amazing Mortgage Broker. His professional, kind and caring approach to Mortgage Financing is second to none. You are in great hands when you choose Mark and his team!

    Sandra Forscutt Avatar Sandra F.
    May 10, 2024

    I greatly value the dedication that Family Mortgage Planners have to their costumers. Whether its newsletters on whats going on in the housing market, tips on finances, prizes to be won, or questions I might have, I always feel connected and a part of their team!

    Thank you for your guidance... read more along the way on my approval for my mortgage and for your quick responses!

    Veronica Gurdian Avatar Veronica G.
    January 7, 2022
  • We are so Very Grateful for the Genuine - Caring - Professionalism of the Family Mortgage Planners Team. We are so Appreciative to have taken the Journey of Owning a Home with them. Joel and Mark it is a pleasure to have made your acquaintance !! We always felt that... read more you had our Best Interests at Heart .. You Professionally Steered Us in the Right Direction of Owning Our Awesome Home !! We are Very Happy !! We Highly Recommend the Family Mortgage Team !! In our opinion these Down-to-Earth Professionals are the Best !!! Thank You Again Mark, Jonah and Joel ... the Entire Team.

    C B Avatar C B.
    January 14, 2024

    These guys are amazing! They always have all the answers to my questions and have helped me with a mortgage and a refinance in a very speedy manner. Could not recommend them enough their team is just stellar.

    Cory Rianson Avatar Cory R.
    June 1, 2022

    My mortgage process was fast and seamless. I was able to complete everything online and my broker,Joel, kept me updated throughout the process. I would definitely recommend the Family Mortgage Planners if you are looking for efficient and excellent service.

    taiwo ade Avatar taiwo a.
    April 7, 2021